Chheng is a 28-year-old married woman who has been living in the Baray district with her husband and one child who is attending school. Chheng is a proud farmer with a two-hectare farmland where she grows rice and other crops according to each season. She is able to generate income of 10,000 KHR per day through farming. Aside from the farming business, Chheng devotes her spare time to purchase and sourceing hair for local hairdressers. Chheng has been in these businesses for more than 12 years.
Chheng would like to borrow a loan of 3,000,000 KHR, which will be used as a sufficient capital for the hair-purchasing business. She hopes that she will be able to make a good income with the help of the loan. Chheng has borrowed once from HKL and she has completely paid back the loan already.
Hattha Kaksekar Limited is one of the largest and most successful microfinance institutions (MFIs) in Cambodia. The organization provides microfinance services to the poor, particularly women, in urban and rural areas. Kiva lenders’ funds will be used to expand the outreach of HKL’s financial services to a greater number of clients in rural areas of Cambodia.